Call reports 2018
HERTFORD SAVINGS BANK, SSB — 2018
What HERTFORD SAVINGS BANK, SSB reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 12,094,000 | 12,670,000 | 13,148,000 | 13,085,000 |
| Total loans | 8,415,000 | 8,914,000 | 9,226,000 | 9,247,000 |
| Allowance for loan losses | 69,000 | 69,000 | 69,000 | 69,000 |
| Securities available for sale | 0 | 0 | 5,000 | 4,000 |
| Securities held to maturity | 273,000 | 272,000 | 272,000 | 270,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,941,000 | 10,505,000 | 10,915,000 | 10,894,000 |
| Interest-bearing deposits | 9,239,000 | 9,877,000 | 10,149,000 | 10,192,000 |
| Noninterest-bearing deposits | 702,000 | 628,000 | 766,000 | 702,000 |
| Equity capital | 2,101,000 | 2,130,000 | 2,164,000 | 2,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 128,000 | 267,000 | 402,000 | 547,000 |
| Interest expense | 15,000 | 34,000 | 54,000 | 78,000 |
| Net interest income | 113,000 | 233,000 | 348,000 | 469,000 |
| Noninterest income | 2,000 | 4,000 | 19,000 | 15,000 |
| Noninterest expense | 92,000 | 182,000 | 278,000 | 395,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 18,000 | 55,000 | 89,000 | 89,000 |
| Income tax | 0 | 3,000 | 3,000 | 0 |
| Net income | 18,000 | 52,000 | 86,000 | 89,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,099,000 | 2,128,000 | 2,163,000 | 2,165,000 |
| Total capital | 2,168,000 | 2,197,000 | 2,232,000 | 2,234,000 |
| Risk-weighted assets | 6,315,000 | 6,726,000 | 7,130,000 | 7,057,000 |